AK DMV Insurance and Financial Responsibility 4

Question 1

Which type of coverage pays to repair your own car after you hit a guardrail on the Glenn Highway?

Accepted Answer

Collision coverage

Answer

Collision coverage pays for damage to your own vehicle from striking an object or another vehicle.

Question 2

Which coverage would pay if a moose damages your parked car or it is stolen in Fairbanks?

Accepted Answer

Comprehensive coverage

Answer

Comprehensive coverage pays for non-collision losses like animal strikes, theft, vandalism, and weather damage.

Question 3

What does uninsured motorist coverage protect you against in Alaska?

Accepted Answer

Losses caused by a driver who has no insurance

Answer

Uninsured motorist coverage pays for your injuries and losses when the at-fault driver has no insurance.

Question 4

You lend your insured car to a licensed friend who causes a crash. Whose insurance typically pays first?

Accepted Answer

The insurance on the vehicle (the owner's policy)

Answer

Auto insurance generally follows the vehicle, so the owner's policy typically responds first.

Question 5

If you cause a crash and the victim's damages exceed your liability limits, what can happen?

Accepted Answer

You can be held personally responsible for the amount above your limits

Answer

Damages exceeding your policy limits can become your personal financial responsibility.

(AK DMV) Alaska Department of Motor Vehicle Practice Test